The Retirement Plan: A Simple Step Preparation

The retirement plan is a must when for me  in my middle age. Although we still healthy and strong, there’s no certainty in life, so everybody who want to live in same level the way we used to live really need a future plan to retire happily.

First thing first of course the health insurance is a must in a retirement plan. Many change in our life, including our health. Even for those who have a very good lifestyle, eating healthy organic food, exercise regularly, have some good and productive hobbies, have some good friends. Even tough only for a basic coverage.

Cost of living is an important point in a retirement plan. Don’t forget that inflation is a factor to sum up. Almost every year there an increase in cost of living. If there’s no income increase, how can we do meet the end with the same amount of money? of course beside a huge tight money policy, we must get another income.  Cut size down sometimes help significantly. If we live in a big house with big expenses, we can downsize to a new smaller one, or rent it out so we can have some additional revenue.

How about saving? Of course saving is important for a retirement plan. We can spend it for daily expenses, invest it in some papers, real estate, bonds, gold, foreign currencies or some art work. Saving also important if we plan to have some travelling in retirement time. Saving also needed for extra expenses in health issue, charity project or reserve for some months expenses. Some unintentional  evidence.

How Quickly Could You Downsize If You Had To?

Just make sure that whatever we want to do in our retirement plan, we have at least basic coverage for our health, enough money for daily, weekly and monthly expenses and enough saving for extra expenses. Make sure that all the money we have work good and smart enough for us, so we can have a happy retirement time.


Every time I feel blue

There were time that good, full of laughter, sunshine and happiness. But there also the bad days, the raining and cloudy ones, sorrow, pain also bitterness. But how could you cherish a beautiful moment without any tears for comparison?

When I feel bad, negative emotion, uncertainty, weak and sad first I try to cheer my self that it’s only temporary. So I lived in it for a moment but not for too long. I mourned enough but not too much. The blues if drift  me away too far and too long could lead into  a serious problem. A depressive situation, like a locked room but I trow my own door key somewhere out there.

Actually  only us who know and  hold the key.  Some people chose to exercise, dancing, find comforting food, praying, watching movies or tellies. Some people like me, prefer music as a healing therapy. Well, since our very early stage, we listened to the music since as a baby in the womb, reacted positively to some beautiful classic composition. reacted cheerfully to some complex swing, jazz or rock song music maybe.

When I feel sad, longing and missing for something I don’t know, a little bit tacky I often chose to listen to the Symphony No.14 Beethoven: Moonlight Sonata, it’s like my negative emotion unveiled, fallen, fade then disappear.  The composition it self actually simple yet a bit monotone, many repetition. But it just feel strange that you need to live in that bad situation, stay for a moment then voila ………. it’s gone. Magic isn’t it?

It truly is amazing that how a simple music, a composition can make a huge impact for some people. People can make their life much easier, happier and fun at the same time. Just find our own music for our soul, listen and enjoy it.